Start here: protect your options
- Call the company that collects your mortgage payment. Use the number on your statement. Ask for the loss-mitigation team, available assistance, required paperwork and any deadlines.
- Talk with a HUD-approved housing counselor. Foreclosure-prevention counseling is free. A counselor can help you understand the servicer’s options and prepare for the conversation. Find a counselor or call 800-569-4287.
- Take any notice seriously. Keep copies and confirm the status of your loan and any scheduled sale. If you have a foreclosure notice or legal papers, contact a Virginia attorney promptly.
- Keep your own records. Save call notes, application confirmations and written decisions. Send financial documents only through the servicer’s or counselor’s verified process.
You can use these resources without speaking to Burchette Homes or agreeing to sell.
Want to keep your home? Ask about assistance first
Depending on your loan and circumstances, your servicer may discuss a repayment plan, temporary forbearance, payment deferral or loan modification. Ask how missed payments will be handled, what the new payments would be and whether fees or interest change.
Burchette Homes can help you explore a sale if that becomes your choice. Your servicer and housing counselor are the right starting points for mortgage assistance. Read the CFPB’s mortgage-payment guidance.
How Burchette Homes can help if you are considering a sale
Julius and Reine Burchette can help you understand the real estate side of the decision, so you can compare a possible sale with the other options you are exploring.
- Review the local market. Compare recent sales, competition and your home’s condition to discuss a realistic pricing range. A market review is an estimate, not an appraisal or guaranteed sale price.
- Estimate what a sale might leave you. Build a preliminary worksheet for price, selling expenses and possible proceeds. Current payoff figures, additional liens and settlement costs must be confirmed with the appropriate parties.
- Discuss a realistic schedule. Consider preparation, marketing, buyer financing and closing. The team can explain the steps it controls and identify timing questions to ask your servicer and attorney.
- Compare written offers. Review price, inspection terms, contingencies, closing dates and estimated net proceeds, so a fast-sounding offer does not become the whole decision.
There is no obligation to list. Any representation and listing terms are agreed in writing.
Compare the sale paths
| Path | What to consider |
|---|---|
| Traditional listing | Market the home to buyers and compare offers. Preparation, financing and closing can take time; weigh the likely proceeds against the time available. |
| As-is listing | Offer the property in its current condition. Required disclosures and negotiated contract terms still matter. As-is does not guarantee a buyer will skip inspections or close faster. |
| Potential cash offer | Compare the buyer’s written price, proof of funds, contingencies and closing terms. A cash offer is not the same as a completed sale. |
| Short sale | If proceeds would not fully pay the secured debt, creditor approval may be required. Review any remaining debt and tax questions before agreeing. |
A sale only works if the legal and financial requirements can be met and closing can occur in time. Putting the home on the market or receiving an offer does not pause foreclosure.
If you owe more than a sale would cover
A short sale requires agreement from the relevant creditor or servicer; additional secured loans or liens can complicate approval. Burchette Homes can help with pricing, marketing and offer presentation as part of an agreed real estate engagement.
Approval to sell does not automatically resolve every remaining obligation. Ask an attorney and tax professional about unpaid debt, any written waiver and tax consequences. See the CFPB’s explanation of a short sale.
Free counseling and local help in Hampton Roads
Start with HUD’s locator to confirm approved counseling options. These independent resources are available whether you keep your home or consider selling.
- HUD housing counseling: Find an approved agency or call 800-569-4287.
- The Up Center: Local foreclosure counseling, document preparation and help communicating with a servicer with your permission. Call its housing-counseling team at 757-965-8671. It does not provide direct mortgage-payment assistance.
- Hampton Roads Community Action Program: Ask about current foreclosure-prevention and housing services. Call 757-247-0379.
- Legal Aid Society of Eastern Virginia: Ask about assistance with a civil legal problem; eligibility, service area and case acceptance apply. Intake: 757-827-5078. Follow its current instructions for urgent matters.
- VA home-loan assistance: If you have a VA loan, ask a VA loan technician about your options at 877-827-3702.
Burchette Homes is independent of these organizations. Contact each provider directly to confirm availability and eligibility. Resource details reviewed October 8, 2026.
Be careful with foreclosure-rescue promises
Be cautious if someone guarantees they can save your home, asks you to pay upfront for foreclosure relief, tells you to stop paying your servicer or asks you to sign over the deed without independent advice. Verify the organization before sending money or sensitive information.
Questions about foreclosure and selling
Do I have to sell my home if I am behind on payments?
Not necessarily. Contact your servicer and a HUD-approved counselor to explore assistance. Burchette Homes can help assess a sale if you decide that is an option you want to consider.
Can I sell a home that is facing foreclosure?
A sale may be possible, depending on the time available, title and liens, creditor requirements and the ability to close. Have your servicer, attorney and settlement provider confirm what your situation requires before relying on a sale plan.
Can Burchette Homes stop or postpone a foreclosure?
Burchette Homes provides real estate sale guidance. Listing, requesting an offer or submitting an inquiry does not stop foreclosure. Speak directly with your servicer and a Virginia attorney about deadlines and any available protections.
Is a short sale the same as a cash sale?
No. A short sale concerns insufficient proceeds to pay secured debt and requires the relevant approval. A cash sale describes how the buyer pays. Neither guarantees that remaining debt is forgiven.
What if I already have a foreclosure sale date?
Contact your servicer and a Virginia attorney promptly. Tell them the date and provide the notice through their verified process. This website and its inquiry form are not emergency services; do not wait for a website reply to seek time-sensitive help.
What should I share with Burchette Homes?
Start with your name, property city, preferred contact method and timing. Leave out mortgage-account numbers, Social Security numbers, bank details and financial or legal documents. Discuss any deadline directly with the team.
Burchette Homes provides real estate services, not legal, tax or foreclosure-defense advice. Assistance, creditor approvals and sale outcomes depend on your circumstances. We cannot guarantee a buyer, closing, debt forgiveness or foreclosure delay. Use a qualified attorney, tax professional and HUD-approved counselor for advice about your rights and obligations.